Eagle Financial Services Inc (EFSI) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the EFSI SEC filings page.
Eagle Financial Services Inc (EFSI) reported $93.5M in revenue over the twelve months to Jun 30, 2026, up 37.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
FY2025 shows a balance-sheet reset: cash generation improved even as earnings weakened and reported leverage fell sharply.
The gap between net income of$8.2M and operating cash flow of$25.8M in FY2025, versus a much narrower gap in FY2024, means reported cash conversion strengthened while accounting profitability deteriorated. That combination points to working-capital or noncash effects supporting cash generation, rather than stronger underlying earnings alone.
Reported leverage shifted from 14.7x to 0.4x between FY2024 and FY2025, while liabilities fell from
FY2025 revenue declined to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Eagle Financial Services Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Eagle Financial Services Inc earned a return on assets of 0.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.8% the prior year. Earnings ranks banks on that return over three years, and Eagle Financial Services Inc scores 30/100 among other banks.
Eagle Financial Services Inc reported revenue of $69.5M in fiscal year 2025, against $72.8M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Eagle Financial Services Inc scores 29/100 among other banks.
Eagle Financial Services Inc funded 10.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $188.8M of equity against $1.9B of assets. Capital ranks banks on that cushion, and Eagle Financial Services Inc scores 30/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Eagle Financial Services Inc scores 17/100 on it among other banks.
Not available for Eagle Financial Services Inc, and counted as zero in the overall score.
Eagle Financial Services Inc reported net income of $8.2M in fiscal year 2025, against $15.3M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Eagle Financial Services Inc scores 52/100 among other banks.
Eagle Financial Services Inc passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Eagle Financial Services Inc generates $3.14 in operating cash flow ($25.8M OCF vs $8.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Eagle Financial Services Inc generated $25.6M in revenue in Q2 2026. This represents an increase of 24.0% from the same quarter a year earlier. Against the prior quarter it is up 22.7%.
Eagle Financial Services Inc reported $5.0M in net income in Q2 2026. This represents a decrease of 5.5% from the same quarter a year earlier. Against the prior quarter it is up 33.2%.
Eagle Financial Services Inc earned $0.92 per diluted share (EPS) in Q2 2026. This represents a decrease of 6.1% from the same quarter a year earlier. Against the prior quarter it is up 33.3%.
Not reported for Q2 2026.
Cash & Balance Sheet
Eagle Financial Services Inc recorded an outflow of $12.8M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 655.8% from the same quarter a year earlier. Against the prior quarter it is down 413.3%.
Eagle Financial Services Inc held $144.0M in cash against $29.6M in long-term debt as of Q2 2026.
Eagle Financial Services Inc paid $0.31 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Eagle Financial Services Inc's net profit margin was 19.5% in Q2 2026, showing the share of revenue converted to profit. This is down 6.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.5 percentage points.
Eagle Financial Services Inc's ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.6 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Eagle Financial Services Inc invested $282K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 7.6% from the same quarter a year earlier. Against the prior quarter it is up 34.9%.
Not reported for Q2 2026.
Not reported for Q2 2026.
EFSI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.6M+24.0% | $20.8M+335.6% | $24.8M+3.2% | $22.4M+21.5% | $20.6M+25.2% | $4.8M-69.9% | $24.0M+9.0% | $18.4M+7.5% |
| SG&A Expenses | $9.2M+17.4% | $8.2M+14.6% | $15.5M+14.6% | $8.7M+15.5% | $7.8M+6.7% | $7.2M-0.1% | $13.6M+2.1% | $7.5M-0.7% |
| Interest Expense | $7.4M-18.8% | $7.9M-22.1% | N/A | $8.7M-17.0% | $9.1M-4.9% | $10.2M+7.1% | N/A | $10.5M+13.5% |
| Income Tax | $1.5M+20.9% | $918K+144.4% | N/A | $1.3M+140.7% | $1.3M+118.5% | -$2.1M-517.4% | N/A | $550K+20.4% |
| Net Income | $5.0M-5.5% | $3.7M+153.6% | $4.3M-29.9% | $5.6M+63.1% | $5.3M+65.5% | -$7.0M-373.7% | $6.2M+158.3% | $3.4M+47.6% |
| EPS (Basic) | $0.92-6.1% | $0.69+145.1% | $0.81-53.4% | $1.04+7.2% | $0.98+10.1% | -$1.53-312.5% | $1.74+152.2% | $0.97+47.0% |
| EPS (Diluted) | $0.92-6.1% | $0.69+145.1% | $0.81 | $1.04 | $0.98 | -$1.53-312.5% | $1.74+152.2% | $0.97+47.0% |
| Diluted Shares (Avg) | 5M+0.6% | 5M+18.4% | N/A | 5M | 5M | 5M+28.5% | N/A | 4M+0.7% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
EFSI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.8B-9.2% | $1.8B-3.5% | $1.9B+1.2% | $1.9B+2.7% | $2.0B+13.7% | $1.9B+6.8% | $1.9B+2.2% | $1.9B+4.5% |
| Cash & Equivalents | $144.0M-63.6% | $189.8M-28.4% | $217.2M+12.4% | $268.1M+48.0% | $396.0M+220.2% | $264.9M+107.6% | $193.2M+39.6% | $181.2M+27.6% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $1.7B-10.9% | $1.6B-4.6% | $1.7B-2.7% | $1.7B-1.0% | $1.9B+10.5% | $1.7B+3.2% | $1.7B+1.7% | $1.8B+3.7% |
| Long-Term Debt | $29.6M | $29.6M | $69.6M | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $193.9M+7.9% | $190.3M+7.8% | $188.8M+58.7% | $185.6M+57.5% | $179.6M+61.7% | $176.5M+63.9% | $119.0M+9.8% | $117.8M+16.5% |
| Retained Earnings | $121.5M+10.9% | $118.2M+11.6% | $116.1M+1.8% | $113.4M+4.2% | $109.5M+2.8% | $105.9M+1.4% | $114.0M+10.2% | $108.9M+6.7% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities.
EFSI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$12.5M-588.0% | $4.3M-25.9% | $9.2M+45.3% | $8.2M+9.3% | $2.6M+240.9% | $5.8M-14.1% | $6.3M+205.0% | $7.5M-50.2% |
| Depreciation & Amortization | $215K+12.6% | $204K+3.0% | $198K-16.5% | $193K-20.9% | $191K-23.6% | $198K-20.2% | $237K-7.8% | $244K-3.6% |
| Stock-Based Compensation | N/A | $413K+27.9% | N/A | N/A | N/A | $323K+7.0% | N/A | N/A |
| Capital Expenditures | $282K+7.6% | $209K-61.1% | $227K-16.8% | $380K+64.5% | $262K-37.8% | $537K+471.3% | $273K+387.5% | $231K-62.2% |
| Free Cash Flow | -$12.8M-655.8% | $4.1M-22.3% | $9.0M+48.1% | $7.8M+7.5% | $2.3M+202.8% | $5.3M-21.0% | $6.0M+199.6% | $7.3M-49.7% |
| Investing Cash Flow | -$35.3M-1632.8% | $19.4M-35.9% | -$10.6M-138.2% | -$22.9M+26.6% | $2.3M+140.6% | $30.2M+17.2% | $27.8M+213.1% | -$31.2M-191.8% |
| Financing Cash Flow | $2.0M-98.4% | -$51.1M-242.9% | -$49.5M-123.7% | -$113.2M-239.5% | $126.2M+3485.9% | $35.8M+182.6% | -$22.1M-182.3% | $81.2M+474.1% |
| Dividends Paid | $1.7M+0.6% | $1.7M+51.1% | $1.7M+51.4% | $1.7M+56.6% | $1.7M+56.3% | $1.1M+4.0% | $1.1M+4.3% | $1.1M+0.7% |
Not reported in any period shown, so not listed: Share Buybacks.
EFSI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 19.5%-6.1pp | 17.9% | 17.5%-8.3pp | 25.0%+6.4pp | 25.6%+6.2pp | -145.8% | 25.8%+14.9pp | 18.6%+5.1pp |
| Return on Equity | 2.6%-0.4pp | 2.0%+5.9pp | 2.3%-2.9pp | 3.0%+0.1pp | 2.9%+0.1pp | -4.0%-6.3pp | 5.2%+3.0pp | 2.9%+0.6pp |
| Return on Assets | 0.3%0.0pp | 0.2%+0.6pp | 0.2%-0.1pp | 0.3%+0.1pp | 0.3%+0.1pp | -0.4%-0.5pp | 0.3%+0.2pp | 0.2%+0.1pp |
| Debt-to-Equity | 0.15-10.2x | 0.16-9.6x | 0.37-14.3x | 9.41-5.6x | 10.33-4.8x | 9.79-5.8x | 14.68-1.2x | 14.97-1.8x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.000.0x | 0.010.0x | 0.010.0x |
| FCF Margin | -50.1%-61.3pp | 19.6% | 36.2%+11.0pp | 35.0%-4.5pp | 11.2%+24.8pp | 110.1% | 25.2%+52.8pp | 39.6%-44.9pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Eagle Financial Services Inc EFSI | FY2025 | $69.5M | $8.2M | 11.8% | $247.4M | 26/100 |
| Chain Bridge Bancorp, Inc. CBNA | FY2025 | $55.0M | $20.2M | 36.8% | $327.6M | 60/100 |
| First Savings Financial Group, Inc FSFG | FY2025 | $84.2M | $23.2M | 27.5% | $238.4M | 20/100 |
| National Bankshares Inc/VA NKSH | FY2025 | $55.6M | $15.8M | 28.5% | $276.4M | 50/100 |
| LCNB Corporation LCNB | FY2025 | $92.0M | $23.1M | 25.1% | $266.4M | 54/100 |
Where Eagle Financial Services Inc Ranks
Frequently Asked Questions
What is Eagle Financial Services Inc's annual revenue?
Eagle Financial Services Inc (EFSI) reported $69.5M in total revenue for fiscal year 2025. This represents a -4.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Eagle Financial Services Inc's revenue growing?
Eagle Financial Services Inc (EFSI) revenue declined by 4.5% year-over-year, from $72.8M to $69.5M in fiscal year 2025.
Is Eagle Financial Services Inc profitable?
Yes, Eagle Financial Services Inc (EFSI) reported a net income of $8.2M in fiscal year 2025, with a net profit margin of 11.8%.
How much debt does Eagle Financial Services Inc have?
As of fiscal year 2025, Eagle Financial Services Inc (EFSI) had $217.2M in cash and equivalents against $69.6M in long-term debt.
What is Eagle Financial Services Inc's net profit margin?
Eagle Financial Services Inc (EFSI) had a net profit margin of 11.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Eagle Financial Services Inc pay dividends?
Yes, Eagle Financial Services Inc (EFSI) paid $1.24 per share in dividends during fiscal year 2025.
What is Eagle Financial Services Inc's return on equity (ROE)?
Eagle Financial Services Inc (EFSI) has a return on equity of 4.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Eagle Financial Services Inc's free cash flow?
Eagle Financial Services Inc (EFSI) generated $24.3M in free cash flow during fiscal year 2025. This represents a 37.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Eagle Financial Services Inc's operating cash flow?
Eagle Financial Services Inc (EFSI) generated $25.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Eagle Financial Services Inc's total assets?
Eagle Financial Services Inc (EFSI) had $1.9B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Eagle Financial Services Inc's capital expenditures?
Eagle Financial Services Inc (EFSI) invested $1.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Eagle Financial Services Inc's debt-to-equity ratio?
Eagle Financial Services Inc (EFSI) had a debt-to-equity ratio of 0.37 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Eagle Financial Services Inc's return on assets (ROA)?
Eagle Financial Services Inc (EFSI) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Eagle Financial Services Inc's P/E ratio?
Eagle Financial Services Inc (EFSI) trades at 13.3x earnings, its market capitalization divided by net income of $18.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $247.4M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Eagle Financial Services Inc's price-to-sales ratio?
Eagle Financial Services Inc (EFSI) trades at 2.6x sales, its market capitalization divided by revenue of $93.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $247.4M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Eagle Financial Services Inc's Piotroski F-Score?
Eagle Financial Services Inc (EFSI) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Eagle Financial Services Inc's earnings high quality?
Eagle Financial Services Inc (EFSI) has an earnings quality ratio of 3.14x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Eagle Financial Services Inc?
Eagle Financial Services Inc (EFSI) scores 26 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.